Cheaper 2014 Jeep Cherokee Insurance Quotes

Finding more affordable premium rates for Driverscar insurance might be difficult for people who have little experience comparing prices online. With dozens of online companies available, it can be a difficult mission to lower your prices.

Locating the cheapest car insurance can be fairly easy. Essentially every driver who shops for car insurance should be able to lower their premiums. But consumers must understand the way companies sell insurance online and use this information to your advantage.

The Jeep Cherokee insurance price equation

Many different elements are part of the equation when you get a price on insurance. Most are fairly basic like a motor vehicle report, but some are less obvious such as your credit history or your commute time.

Listed below are a few of the “ingredients” utilized by car insurance companies to help set your premiums.

  • How much liability – Your insurance policy’s liability coverage kicks in if a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Cheaper insurance rates with safer cars – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles protect occupants better and lower injury rates means lower claim amounts and lower rates for you.
  • High credit history translates to low rates – Having a good credit score is a big factor in calculating your insurance rates. Insureds that have high credit ratings tend to be better risks to insure as compared to drivers with lower credit ratings. If your credit history can use some improvement, you could pay less to insure your 2014 Jeep Cherokee by improving your rating.
  • Multiple policies with one company can save – Many insurance companies provide discounts to customers who buy several policies from them. It’s known as a multi-policy discount. Even if you’re getting this discount consumers should still comparison shop to help guarantee you have the best rates.
  • Cheaper rates with high deductibles – Comp and collision deductibles are how much you are required to pay in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some coverage claims are collision with another vehicle, fire damage, or theft of your vehicle. The more you choose to pay out-of-pocket, the less money you will pay for insurance for Cherokee coverage.
  • Gender as a rate factor – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that males are worse at driving than females. Males and females tend to get into at-fault accidents in similar percentages, but guys cause more damage and cost insurance companies more money. They also receive more costly citations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident so they pay the highest premiums.

Lower your car insurance rates with discounts

Not too many consumers would say car insurance is affordable, but you may be missing some discounts that can help lower your rates. Certain reductions will be credited when you complete an application, but a few need to be requested specifically before you get the savings.

  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.
  • Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance for Cherokee coverage depending on your car insurance provider.
  • Low Miles Discount – Driving less could qualify for lower car insurancerates due to less chance of an accident.
  • Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles with the same company can reduce rates for all insured vehicles.
  • Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft so companies will give you a small discount.
  • Good Grades Discount – Getting good grades may save you up to 25%. Earning this discount can benefit you well after school through age 25.
  • Bundled Policy Discount – If you can combine your auto and home policy and insure them with the same company they may give you a discount of nearly 15% which can help you find cheaper insurance.

It’s important to understand that some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. Even though it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Auto insurance companies that may offer policyholders some of the above discounts include:

When comparing rates, check with every insurance company what discounts are available to you. All car insurance discounts might not be offered on policies in every state. If you would like to choose from a list of providers that offer multiple discounts, click this link.

You are unique and your insurance coverage should be too

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can help discover if you may require specific advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Who is covered by my policy?
  • Is business property covered if stolen from my car?
  • Why do I need rental car insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I buy additional glass protection?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need replacement cost coverage on my 2014 Jeep Cherokee?
  • What is the ISO rating for a 2014 Jeep Cherokee?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverage information

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hail damage, rock chips in glass and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as chiropractic care, X-ray expenses, funeral costs and prosthetic devices. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This protects you from damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like funeral expenses, repair costs for stationary objects, emergency aid, structural damage and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

In any little way, save everyday

Throughout this article, we presented many tips how you can compare 2014 Jeep Cherokee insurance car insurance rates online. The key concept to understand is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may discover the best car insurance rates are with the smaller companies.

Drivers who switch companies do it for a variety of reasons including poor customer service, unfair underwriting practices, lack of trust in their agent or delays in responding to claim requests. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

Budget-friendly auto insurance is possible both online as well as from insurance agents, so you need to quote insurance with both so you have a total pricing picture. Some auto insurance companies do not provide rate quotes online and these small, regional companies sell through local independent agencies.

For more information, feel free to browse the resources below: